Our Services

We specialize in investment management and retirement planning for individuals, families and small businesses:

Investments

By helping you understand your risk tolerence, we will recommend appropriate investment strategies that will fit your asset-allocation needs.

Our Sailing and Rowing presentation can help you start assessing your risk tollerance:

Sailing and Rowing *

Retirement Planning

We will help you plan for retirement by utilizing your employer-sponsored plans and IRA's. As you transition into retirement, we will implement distribution strategies designed for life.

Risk Management

To help ensure that you can safely navigate the markets.

Estate Planning

To preserve your estate for your intended heirs, we will assist by reviewing your documents and confirming beneficiary designations. By coordinating with your legal advisors, we can help to ensure that your financial needs are addressed in your estate planning.

See a very comprehensive article on 5 Levels of Estate Planning * prepared by Julius Giarmarco of the Giarmarco, Mullins & Horton, P.C. a Trusts and Estates Practice Group.

Education Funding

We will avise you on the benefits of different college savings plans  or strategies to help fund your children's education.

Tax Management

Through the various strategies we implement, we will look for ways to reduce your current and future tax burden.

Employee and Executive Benefits

We will assist business owners in developing appropriate and cost effective employee benefit packages that may provide additional advantages to the employer.

All Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.